Credit Card VISA Gold - UniCredit Bulbank

Features and Fees

Visa Gold credit card gives you the convenience, flexibility and security wherever you use it.

With it you have a higher transaction and credit limits and additional benefits.

As a holder of Visa Gold card you can take advantage of the special offers of Premium programme Visa Luxury Hotel Collection of Visa Europe - a selection of exclusive benefits and discounts in chain hotels, as well as suggestions for cruises and exotic trips, that will make your travels more pleasant.

Interest rate

1.30 % per month will be charged on the used and not paid part of the credit limit

Annual fee

No annual fee for the first 2 years. Then reduced to 50 BGN

Annual expense ratio

Example: 16.76 % with a repayment term of 12 months, an annual fee of 0.00 BGN for the first 2 years, utilized credit limit of 5000 BGN, a monthly payment of 3 % of the amount of disbursed limit and monthly interest rate 1.30 %

Credit limit

From 5000 BGN up to 60,000 BGN

Minimum net monthly income

1000 BGN

Minimum repayment amount

3% of the approved credit limit

Grace period

Up to 45 days for purchases at POS terminal

Due date

From 1st to 15th of the month

Coverage

International

Preferential and special programmes

Free Insurance
Automatic and free of charge activated service Secure payments on the Internet
Programme PLUS

Discounts and boutique offers

Advantages and discounts with programme Visa Luxury Hotel Collection of Visa Europe
Special premium offers from Visa for your private and business trips

Functionality

Chip and magnetic stripe

Currency

BGN, EUR and USD

Credit limit validity

2 years

Card validity

4 years

Time limit for issuing

5 working days for standard

3 working days for express

Additional card

Yes, according to the tariff

Card service

Liabilities repayment

Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
Installments at ATM - with cash deposit to a credit card account
At cashier in the bank branch to a credit card account

24/7 customer service center

In emergency situations or when you need to check your card balance

Statements and notifications

Free of charge monthly statement of account via e-mail
Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Terms and fees for issuance and service

Terms and conditions for issuing and servicing of a bank card
VISA GOLD REVOLVING CREDIT
SPENDING LIMITS		Limit for one transaction			Daily limit			Weekly limit
SPENDING LIMITS		USD	EUR	BGN	USD	EUR	BGN	USD	EUR	BGN
Cash withdrawals on ATM and POS terminal	In Bulgaria	2000.0	2000.0	4000.0	3000.0	3000.0	6000.0	5000.0	5000.0	10000.0
Cash withdrawals on ATM and POS terminal	Abroad	500.0	500.0	1000.0	2000.0	2000.0	4000.0	5000.0	5000.0	10000.0
Cash M transfer 1 in Bulgaria	In Bulgaria	200.0	200.0	400.0	3000.0	3000.0	6000.0	5000.0	5000.0	10000.0
Amount of Cash Back at POS when a purchase is made (limit of cash received)		25.0	25.0	50.0	1000.0	1000.0	2000.0	1500.0	1500.0	3000.0
Payment at merchant locations on POS terminal		7500.0	7500.0	15000.0	10000.0	10000.0	20000.0	15000.0	15000.0	30000.0
Payment at merchant locations on POS terminal		7500.0	7500.0	15000.0	10000.0	10000.0	20000.0	15000.0	15000.0	30000.0
Total number of payments for the period		-	-	-	40.0	40.0	40.0	60.0	60.0	60.0
Total number of payments for the period		-	-	-	40.0	40.0	40.0	60.0	60.0	60.0
1 - The limit for a Cash M transfer is part of the limit for cash withdrawal from an ATM or POS terminal in Bulgaria.
FEES AND COMMISSIONS FOR ISSUING AND OPERATIONS
Issuing and servicing of Visa Gold Revolving
(1) Issuing								Free of charge
(2) Express issuing/reissuing of the card								EUR 50
(3) Re-issuing of a card after the expiry date								Free of charge
(4) Re-issuing of a card before the expiry date **								EUR 10
(5) Annual service of a main card								EUR 50
(6) Annual service of a supplementary card								EUR 35
Transactional fees
(1) Cash withdrawal fee at Bank's ATM								1.5% + EUR 1.5
(2) ATM withdrawal fee at ATM of other banks in Bulgaria								2.5% + EUR 3.5
(3) Cash withdrawal on POS terminal at Bank's branch counters in Bulgaria								1% + EUR 3
(4) Cash withdrawal on POS terminal at other bank's branch counters in Bulgaria								2.5% + EUR 3.5
(5) Cash withdrawal on POS terminal abroad								3% + EUR 4
(6) Cash withdrawal on ATM abroad								3% + EUR 4
(7) Cash M transfer up to 50 BGN								BGN 4
(8) Cash M transfer from 50.01 to 400 BGN								BGN 8
(9) Payment of goods and services at merchant locations and in Internet in Bulgaria								Free of charge
(10) Payment of goods and services at merchant locations and in Internet abroad								BGN 0.50
(11) Cash back at POS at merchant outlet								BGN 0.30
(12) Transactions at the systems ePay.bg/B-pay								Free of charge
Fees for additional operations
(1) Refund of amounts through International Card Organisation								1.00%
(2) Card blocking on a cardholder request and reissuing ***								EUR 15
(3) Change of PIN code on ATM in Bulgaria								Free of charge
(4) Balance inquiry on ATM in Bulgaria								BGN 0.50
(5) Balance inquiry on ATM abroad								EUR 1
(6) Balance inquiry via ePay.bg/B-pay								BGN 0.50
(7) Balance inquiry on ATM in Bulgaria for the last 5 transactions								BGN 0.20
(8) Extra statement for a period different from the standard one defined by the cardholder								EUR 5
(9) Change of card data								EUR 5
(10) Transfer of amounts through a balance transfer operation per customer request								BGN 50
(11) Receivig a card in other Bank's branches								EUR 5
(12) Fee for unreasonable dispute of transaction made in Bulgaria								BGN 15
(13) Fee for unreasonable dispute of transaction made abroad								EUR 15
(14) Payment through the system for utility and periodic payments of UCB								BGN 0.25
(15) Fee for managing overdue payments (The fee is aplicable for cards activated before 23.07.2014)								EUR 10
(16) Fee on overspending of credit limit (The fee is aplicable for cards activated before 23.07.2014)								EUR 5
(17) Insurance package on a card								Free of charge
(18) Fee for re-registration of the service "Secure Online Payments"								BGN 5
(19) SMS-notification - annual subscription								BGN 5
(20) SMS-notification on related to transactions performed on-line with bank cards ****								BGN 0.15
(21) Checking available account balance via SMS-notification (by using personal access code) ****								BGN 0.10
Note: The items denominated in EUR and BGN are converted in card account currency at the exchange rate quoted by the Bulgarian National Bank of foreign currencies valid at the accounting day


* The limit is a part of the limit for Cash withdrawals on ATM and POS terminal
** The fee is not charged in case of reissuance by recommendation of the bank out of security considerations
*** The fee is not charged in case of automatic blocking by the bank
**** Тhe fee is due and payable by the client of external provider

Tariff

General terms and conditions for bank cards and for providing payment services 315.6 KB

View the full Tariff, as well as the General terms and conditions

Issuance and service
Parameters	Value
Issuing	Free of charge
Express issuing/re-issuing	50 EUR
Re-issuing after on the expiry date	Free of charge
Re-issuing before the expiry date	10 EUR
Annual service fee of a main card	50 EUR
Annual service fee of the additional card	35 EUR
Change of the card parameters	5 EUR
Additional card	Yes
Benefits and package programmes	Programme PLUS Exclusive offers by Visa Free of charge insurance Free of charge Virtual PIN

Transaction fees and limits

Transaction fees
Parameters	Value
Payment in merchant outlets in the Internet, in Bulgaria	No fee
Payment of goods and services in the Internet, abroad	0.50 BGN
Withdrawing cash from ATM:
of the bank	1,50% + 1.50 EUR
of another bank in Bulgaria	2,50% + 3.50 EUR
abroad	3% + 4 EUR
Balance inquiry at ATM in Bulgaria	0.50 BGN
Transactions in the systems ePay.bg/B-pay	0.20 BGN
Cash withdrawal at POS terminal:
in branch of the bank	1% + 3 EUR
of another bank in Bulgaria	2,50% + 3.50 EUR
abroad	3% + 4 EUR

Transaction limits
Parameters	Value
Payment at POS terminal at a commercial outlets	15 000 BGN for 1 transaction 20 000 BGN for 24 hours 30 000 BGN for 7 days
Cash withdrawals from ATM and from POS at bank branch in Bulgaria	4 000 BGN for 1 transaction 6 000 BGN for 24 hours 10 000 BGN for 7 days
Cash withdrawals from ATM and from POS at bank branch abroad	1 000 BGN for 1 transaction 4 000 BGN for 24 hours 10 000 BGN for 7 days
Total number of payments within a period	40 for 24 hours 60 for 7 days

Application of the Card

Booking and rental services - cars or airline tickets and hotels
Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
Collection points and payments with points at merchant outlets involved in PLUS Programme; Cash withdrawals at ATM and POS terminal in any bank branch

Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the ePay.bg system (the transaction can be executed after a registration at an ATM)
Payment of bills and services from an ATM in Bulgaria through the B-Pay system
Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria

How to Apply

Required documents and terms

Minimum net monthly income BGN 1,000
Client’s ID card
Income other than employment relationship or without income transfer to bank account evidence
Foreigners should a resident permit for Bulgaria
Application form for credit card when visiting UniCredit Bulbank branches

Apply for your Visa Gold

Online

Fill in the online form and our consultant will contact you.

Apply

In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

PLUS Programme

PLUS Programme is specifically developed for all customers using credit and debit bank cards. Your participation in the programme gives you an opportunity to automatically collect points with card purchases in merchant outlets our partner network.

The collected points can be used for purchase of goods and services in the whole partner network.
Review all current campaigns of our partners.

Security tips

Take care of your financial security by following a few simple rules when using your card.

On Internet payments

On payments at POS terminals

On cash withdrawals at ATMs

When travelling

Additional Card Services

Secure Payments on the Internet

Secure payments on the Internet by Virtual PIN. Confirmation of payments at merchants participating in the MasterCard SecureCode and Verified by Visa.